Cross-border remittance cost calculator

Enter the amount and the FX rate each provider quotes — the calculator computes total fees, true received amount and effective FX across providers. Always compare the "received in INR" column, not just the fee column.

Amount to send (foreign currency)

Mid-market rate (1 unit = ₹)

Sending currency label

Provider quotes

Provider	Fee	FX rate	Markup vs mid	You send	Recipient gets (₹)

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How to read the numbers

FX markup: (provider rate − mid-market rate) ÷ mid-market rate. Banks: 2–5%; Western Union: 3–6%; Wise: 0.4–0.7%; Remitly: 0.5–1.5%.
Hidden cost: Many "zero fee" promotions hide cost in the FX rate. Always check what the recipient actually receives.
For India: LRS limit is USD 250,000 per FY. TCS at 20% (above ₹7L) for non-education / non-medical remittance, claim back in ITR.